Motor home Safety Tips for Ohio Drivers

Posted on October 15, 2021October 5, 2021 by admin

Motor home owners in Green, OH know firsthand the memories, adventures, and fun times that can be had using a recreational vehicle. Just like any other major investment, your motor home should be properly insured to protect your financials, your passengers, and yourself. The team of agents at Ken Boldt Insurance Agency II Inc. can help motor home owners to determine what the best coverage and policy is for the way they intend to use this recreational vehicle.

How to Safely Own a Motorhome in Ohio

Get Insurance

For those with a loan on their motor home, the lender most likely required some level of motor home insurance in the loan agreement. Different lenders have different requirements, but this coverage will meet those requirements safely.

Motor home insurance often includes liability coverage, and Ohio does have a state minimum of liability insurance.

Other types of motor home insurance include:

Collision insurance
Comprehensive coverage
Uninsured or underinsured coverage

Listed above are some of the options you can select as part of your coverage and policy, but every insurance policy is different and may not offer these options. We can’t stress enough the importance of working with a company that knows the laws and can help determine the best insurance plan for you and your needs.

If you recently purchased a motor home and aren’t sure where to begin with insurance, contact the team at Ken Boldt Insurance Agency II Inc. We will help you find the best coverage to protect your investment, keep you and your family safe, and ensure you have a safe trip every time you use your motor home.

What Kind of RV Insurance Is Required in Ohio?

Posted on September 30, 2021October 5, 2021 by admin

If you have owned a recreational vehicle for a while, you know that insurance and registration requirements can differ from state to state. For RV owners, some of the regulations regarding insurance can be confusing. If you live in Green, OH and want to cover your bases, you need to know what kind of insurance you need to cover your RV.

Ken Boldt Insurance Agency II Inc. understands how complicated buying insurance can seem. Here’s what you need to know about RV insurance requirements in Ohio.

Bodily Injury Liability Coverage

In Ohio, all motor vehicles are required to have bodily injury liability coverage at a rate of $25,000 per person and $50,000 for more than one person per accident. This coverage is often used for things like medical bills and lost income.

Property Damage Coverage

When you are driving a large vehicle like an RV, any damage resulting from an accident can be costly. Ohio RV owners are also required to have coverage for property damage beginning at $25,000 per accident.

Add-Ons Are Not Required

In Ohio, you are not required to add other types of coverage to your policy. You may opt for comprehensive coverage to handle RV damage caused by vandalism or bad weather, depending on what types of landscapes you tend to travel to with your vehicle.

You May Be Asked to Show Proof

When you drive an RV, you may be asked to show proof of insurance specifically for your RV. You may show this proof at a traffic stop or when you are in an accident.

Find the Right RV Insurance for Your Vehicle

Whether you camp on the weekends or you live in your RV most of the year, having the right insurance is important. Ken Boldt Insurance Agency II Inc. can help you insure your Green, OH vehicle to ensure it is compliant with state regulations.

Motorcycle Safety Tips Can Prevent Ohio Motorcycle Insurance Claims

Posted on August 16, 2021August 1, 2021 by admin

There are thousands of motorcycle deaths and injuries on the roads in America every year. This means thousands of insurance claims. It only takes a second for a motorcycle rider in Ohio to lose their focus or control and be in one of those accidents.

At Ken Boldt Insurance Agency II Inc., we want Green, OH residents to feel secure when they are enjoying the freedom that comes with their motorcycle rides. Follow these safety tips for motorcycles when you are on every adventure.

Maintain Your Bike

Maintaining your bike is the first safety step. You already know this. Get in the habit of checking it every time, and not just once a week or month. Check your tires and your battery, the two most common things to go first on a bike.

The last thing you want is a dead battery or a flat tire in the middle of a long ride on the highways. This could spell a huge disaster for you.

Wear a Helmet and Appropriate Attire

You are required under Ohio law to have an appropriate helmet for good reason. There is a wide body of research that supports the laws that require helmets. Without them, deaths and lifelong debilitating injuries occur.

In addition to helmets and attire, good footwear is important. You can suffer injuries by the repetitive motion of shifting gears with your feet. Ensure your boots can withstand your use so that you don’t suffer injury on the road.

Maintain a Safe Distance

When you are on your bike, it is easy to get lost in the moment and want to drive freely in the wind. Try to do this while maintaining a safe distance. Failing to do so is one of the most common causes of motorcycle accidents and serious injury.

Get a Quote

At Ken Boldt Insurance Agency II Inc., we want motorcycle riders in Green, OH to feel freedom on the roads, and ride how they want, when you want. Do this for as long as you can by following every safety measure that you can. Call us today for a quote to ensure your motorcycle insurance policy has everything that you need. You’ll feel even safer!

Learn About Boat Insurance

Posted on July 28, 2021August 1, 2021 by admin

The best way to enjoy your boat for years to come is by making sure you have adequate boat insurance in place. At Ken Boldt Insurance Agency ll Inc. serving Green, OH, we can help you learn everything you should know about boat insurance.

Is Boat Insurance Required?

Different states will have different requirements concerning boat insurance. Even if the area you live in does not require boat insurance in order to legally operate the boat on open water, you will want to consider purchasing boat insurance. Boat insurance is the best way to protect the investment you made in the boat as well as to protect other boaters and those who will spend time on your boat. If you plan to travel with your boat, sufficient boat insurance will make it possible for you to enjoy your boat where ever you may go.

What Does Boat Insurance Cover?

Boat insurance can be customized to suit your particular needs, but in general, most boat policies will provide coverage in the following areas:

Property damage- If your boat is damaged due to an accident, fire, natural disaster, or burglary, the policy will kick in to help reimburse for your losses.
Liability coverage- If your boat is involved in an accident which causes damage to another vessel you could be held liable for the expense of repairing or replacing that vessel. If someone is injured on your boat, or injured in an accident that your boat caused, you could also be held liable for medical expenses or legal fees. Liability coverage will protect you from paying these expenses out of pocket.

If you would like to learn more about our insurance products or services, please contact us at Ken Boldt Insurance Agency II Inc. serving Green, OH.

Overlooked Situations That Umbrella Insurance Covers

Posted on June 14, 2021June 14, 2021 by admin

Ken Boldt Insurance Agency II Inc. provides coverage to Green, OH residents, as well as the surrounding areas. We look to simplify the process of searching for insurance. We understand that each of our clients has specific needs that should be addressed. We offer custom policies to help ensure that we are able to help our clients protect what matters most. We look forward to helping you find coverage.

Overlooked Situations That Umbrella Insurance Covers

Accidents can happen at any time. However, there are some instances where a minor issue can turn into something major. Normally, your liability coverage will protect you if you are held responsible for an accident. If your actions lead to someone getting seriously injured or other problems on that level, traditional liability coverage may not be enough. How would you cope with possible legal action against you? Do you have enough liability coverage to protect your assets? Umbrella insurance adds an extra layer of coverage if you are facing legal, or you’ve caused damaged that exceeds your liability limits. Umbrella insurance helps make sure that you won’t lose everything while handling a liability claim.

If you are a Green, OH restaurant or club owner, umbrella insurance can prevent you from losing everything. You could face a serious liability suit if one of your customers is seriously injured while visiting your restaurant. If you serve alcohol, you will be held responsible if your guests have one drink too many and end up getting involved in an accident. If you run a consulting firm, umbrella insurance can protect you against allegations from your clients that you gave them bad advice. If you have a trampoline in your backyard and you invite your friends over to have fun, you will be held liable if someone gets injured. Perhaps they suffer a brutal injury that leaves them unable to work for years. Umbrella insurance can protect you.

Ken Boldt Insurance Agency II Inc. Will Help You Protect Your Investment

Visit our website to learn more information about umbrella insurance.

4 Benefits of Condo Insurance

Posted on May 28, 2021May 30, 2021 by admin

While owning a condo in Green, OH is a significant achievement, it’s vital not to forget about condo insurance. Like it or not, you can find yourself in a complicated situation that only condo insurance can bail you out. Since you share the compound with other people, it isn’t easy knowing who is responsible for what. For this reason, you should purchase condo insurance from Ken Boldt Insurance Agency II Inc. In the process, you will accrue the below benefits.

Dwelling coverage

While you may be contributing monthly contributions towards your condo owner’s association policy, this covers the exterior of your building only. As for your condo’s interior, you need condo insurance to protect the walls, roof, floor, and other fixtures when destroyed by fire and other threats.

Liability coverage

If a visitor is injured in the common areas like the swimming pool, lobby, or tennis court, the master policy takes care of the medical expenses. However, if injuries occur inside your condo, you need condo insurance to take care of the medical expenses and possible lawsuits. Besides, condo insurance covers property damage that you or your family members inflict on other people.

Personal property protection

Theft and vandalism are a constant danger when living in a condo. Besides, water damage can destroy your furniture, electronics, and other assets. Since replacing your assets can be expensive, you need condo insurance to shield you from damage or loss occurring on your belongings.

Loss of use coverage

If a covered peril destroys your condo, you may need to seek temporal shelter as your condo is being repaired. In the process, you may incur hotel costs and travel expenses. Thankfully, if you have condo insurance, expenses exceeding your everyday spending are covered.

Get condo insurance today!

Are you looking for Condo Insurance in Green, OH? You can trust Boldt Insurance Agency II Inc. for all your condo insurance solutions. Contact us today for a quote.

Why do Ohio drivers need auto insurance?

Posted on April 22, 2021April 22, 2021 by admin

People that live in the Green, OH area will continue to benefit from having owned a car. If you are going to look into purchasing a new car in this area, you should make sure that you get the right insurance. There are many reasons that someone should get an auto insurance policy when they are in this area of the state.

Insurance is Needed to Cover Vehicle

A common reason that people will choose an auto insurance plan when they are in this area of Ohio is to ensure that their vehicle is covered. If you would like to buy a car when you are here, you will want to know that it is covered if it is stolen or damaged. With a proper insurance plan with collision and comprehensive protection, you will get this coverage to protect your vehicle.

Insurance is Mandated by Law

Drivers all over Ohio also need to get auto insurance to ensure they comply with the state law that requires drivers to have liability coverage. With a liability plan, you can cover damages that may be caused by accident. To ensure that all drivers can cover restitution, the state requires that all vehicle drivers carry a full liability insurance plan when driving at all times.

If you would like to get an auto insurance plan when you are in the Green, OH area, it would be beneficial to call Ken Boldt Insurance Agency II Inc. many important factors go into picking an auto insurance plan. If you call Ken Boldt Insurance Agency II Inc., you can get the insight you need to build and choose an auto insurance plan that is ideal for you and meets your needs.

Commercial Insurance Options for Your Ohio Business

Posted on March 26, 2021March 26, 2021 by admin

If you own a business in Ohio, there are two types of commercial insurance you are required to carry on your business. These include commercial auto liability insurance and worker’s compensation insurance. The commercial insurance agents at the Ken Boldt Insurance Agency II Inc. in Green, OH understand the importance of keeping your business protected and secure.

Commercial Auto Liability Insurance

In the state of Ohio, all drivers must have at least a liability auto insurance policy. This will cover injuries or property damage that occurs in an accident that is your fault. This applies to any vehicle owned by your business and any personal vehicles used to conduct business for your store or company.

Worker’s Compensation Insurance

If you have any employees working for your business in Ohio, you must have a worker’s compensation insurance policy in place. This will cover any injuries or illnesses that your employees suffer due to their employment with your business. This type of insurance will help pay their medical bills in their time off of work.

General Liability Commercial Insurance

A general liability commercial insurance policy will protect you if a customer or someone else is injured at your business or due to something involving your business. This means if someone slips and falls in your store and breaks their arm, their medical bills will be covered by this part of your commercial insurance policy.

Property Damage Insurance

Property damage insurance will cover your business if destroyed or damaged by a fire, natural disaster, or vandalism. This type of policy will also cover your products if a theft incident occurs at your business.

To create a policy for you in your business that contains all of the coverage options you need, you should contact the experienced and trusted commercial insurance agents at the Ken Boldt Insurance Agency II Inc. in Green, OH today to get your policy started.

What You Should Know About Home Insurance

Posted on February 23, 2021February 23, 2021 by admin

Your home is probably one of your most important investments. This isn’t only true because of the money you have invested into your home, but it is also true because of the emotional importance your home holds. Your house is your family’s safe haven, a place to come together and make memories. You want this protected. At Ken Boldt Insurance Agency II Inc., serving Green, OH, we want to help you make the best choices when it comes to this protection. Keep reading to find out what you need to know about home insurance.

Why Is Home Insurance Important?

Home insurance provides a necessary level of protection over your home investment. If your home is damaged or lost due to natural disaster, fire, or burglary, the expenses of repairing or replacing your home will fall to you. For most families, this would cause extreme financial damage. To avoid this type of financial damage, a home insurance policy is put into place. If the home is damaged or lost, the insurance policy will cover repairs or replacement costs.

What Does Home Insurance Cover?

Home insurance policies can be customized to fit your particular needs, but in most cases, a policy will cover the following areas:

Property Damage – This type of coverage will kick in if your home is damaged or lost due to fire, natural disaster, or burglary.
Liability – This type of coverage will pay if someone is injured in your home or on your property. This will cover any medical or legal expenses that could result from the accident.

If you would like to learn more about home owner’s insurance or any of our other insurance products which we offer, please contact us at Ken Boldt Insurance Agency II Inc., serving Green, OH. We will be happy to answer your questions today.

3 Reasons to Get Renters Insurance

Posted on January 27, 2021January 27, 2021 by admin

Are you renting a home in Green, OH? Consider the benefits of renters insurance. Renters insurance offers protection for your personal belongings, personal liability, and loss of use of your rental property due to disaster damage. Here’s how renters insurance from Ken Boldt Insurance Agency II Inc. can benefit you.

Protects Your Personal Goods

Your landlord’s insurance covers his home, condo, or apartment, not your personal goods. If your belongings are stolen or damaged in a disaster, you would have to cover the cost of repairing or replacing these goods on your own. However, with renters insurance, you’ll have compensation for your loss, making it easier to replace what was lost. If you own costly goods, renter’s coverage can save you a substantial amount of money in recuperating your losses.

Covers Visitor Injuries and Property Damage

If a guest suffers accidental injuries or property damage while visiting your rental property, you could be held responsible for their medical bills or personal property repair. Renter’s liability insurance protects you financially by covering these costs. Even a simple slip and fall can send someone to the hospital with a broken bone or concussion, resulting in thousands of dollars’ worth of medical costs. Renters liability coverage also protects you against lawsuits that may arise from accidents that cause severe injuries to others.

Compensates You for Loss of Use Costs

Ohio is prone to an array of natural disasters ranging from severe storms to tornadoes. If your rental home, condo, or apartment suffers disaster damage, you may need to move out while repairs are made. Loss of use insurance compensates you for the cost of staying somewhere else, such as a hotel or motel, until you can return home.

To purchase a renters policy for your Green, OH rental home, call or visit Ken Boldt Insurance Agency II Inc.

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